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Certificates Of Deposit

Bankrate provides comparison tools, educational content, and the latest rate news to help you find the best CD offer.

Explore CD basics

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Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
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Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.
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A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.

Stay updated on CD rate trends

DAILY

Today's CD rate news

Explore the highest CD rates by term every weekday and learn how economic trends can affect your rate.

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CD rates forecast for 2024

CD investors continue to benefit from strong yields, while inflation gradually slows. Here's what you need to know before the year ends.

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Historical rate trends

Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.

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WEEKLY

Current CD interest rates

Read up on top available rates and national average trends over time from Bankrate’s weekly survey of banks and credit unions.

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Experts in all things banking

Our expert writers and editors bring you timely news and reliable information - backed by data and first-hand experience.

About Bankrate's team
Greg McBride

Greg McBride, CFA Arrow Right Icon

Chief Financial Analyst

Sarah Foster

Sarah Foster Arrow Right Icon

Principal U.S. Economy Reporter

Mark Hamrick

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Senior Economic Analyst

Calculate your estimated CD earnings

Enter your deposit amount along with the term and APY of the CD you are considering. See how much you could save when your CD reaches maturity.

Latest articles

CDs and money
These seven banks and credit unions offer competitive rates on CDs for businesses.
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Take a look at the days when CDs were offering investors double-digit returns.
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There’s still time to lock in a high-yielding CD as the Fed cuts rates.
Cropped shot of a businessman using his computer in his home office
Find out which CD term is best for your financial goals in a lower rate environment.
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If you’ve been thinking of getting a longer-term CD, you may want to make a move.
Percent symbol with people holding money that is many dollar bills. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.
How to proceed when your CD matures during falling rates.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Couple looking at laptop while sitting on sofa at home
As the Fed is cutting interest rates, consider these certificates of deposit (CDs)
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It just might be. But don’t forget the fundamentals of how home equity loans work.
Fed chair Jerome Powell makes a speech
The Federal Reserve cut interest rates for the second consecutive meeting but this time by a smaller quarter of a percentage point.
Exterior of Federal Reserve building
Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.
Calm focused female freelancer in casual clothes revising reports while sitting on soft couch at table and using computer in light contemporary apartment
Subprime borrowers are particularly affected by interest rate changes. Here’s how to prepare.
The Federal Reserve’s decisions have ripple effects, including for mortgages.
If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
Man using credit card while online
Credit card interest rates have a high mark up over the prime rate. Why are card APRs so high?
Student walking through college campus.
The Federal Reserve’s actions can influence student loan interest rates.
Woman using a calculator
Challenged by fintech startups, banks are pushing new services to customers.
Jerome Powell Fed FOMC Decision Day
The Fed voted to leave interest rates alone for the second-straight meeting.
Bank teller with customer
Branch banking is rapidly changing with the rise of automation and fintech.
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Many Americans are adding nothing to their savings. These are the biggest reasons.
Wells Fargo ATM cars
Consumers aren’t so quick to turn away from the big bank.
Jerome Powell at Fed meeting
Fed Chairman Jerome Powell said the U.S. central bank is in no rush to adjust rates.
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You just sent money to a stranger. So, how do you get it back?
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The U.S. economy expanded at a slower pace in the fourth quarter of 2018, but came in well ahead of estimates.
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